The term “don’t put all your eggs in one basket” has been around for as far back as anyone can remember. Typically this relates to how you invest or save money. What I want to point out is a concept that is very simple but often times not considered when we are in the asset […]
The Three Baskets Theory for Retirement Read More »
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Couple of weeks back, I was speaking about little-known fees inside mutual funds. This cash left inside of mutual funds is not for tactical purposes but for mutual fund outflows. This cash creates “cash drag” that adds to the overall expense of mutual funds. As an advisor who manages money and would never use an
Think of Cash as a Position Read More »
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Most of us would agree diversification is a good thing as it relates to our investment mix but also as it relates to our income as we approach retirement. In all likelihood the tax code will change during our lifetime, so the ability to switch from least to most tax advantaged income sources as possible
Tax Diversification with Benefits Read More »
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So now retail brokerage is trying to capitalize on a concept that many advisors like myself have been talking about for years. Having been a retail broker many years ago, we were taught in some instances how to accumulate assets and grow them. The firm I worked for did not pressure me to sell product
It’s All About the Income Read More »
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On numerous occasions, I have mentioned that I do not care for bond funds and would much prefer to ladder a bond portfolio to the client’s needs and wants. Bond funds are perpetual, which means they really have no maturity date, much like preferred or dividend paying stock. The problem with not having a maturity
Understanding Bond Basics Read More »
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We can hope that our retirement money invested in the stock market or mutual funds will do well when we are ready to retire. We can hope that Social Security will be there for us when are ready to retire. We can hope that we are working with an investment professional who understands the difference
Retirement: Do you Hope or Do You Know? Read More »
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I really don’t hate all annuities, but that statement “I hate annuities” is used by people to get your attention and divert you to what they are selling. Most people that I meet with regarding their portfolios have an opinion regarding annuities. But it is a common mistake to think that all annuities are the
I Hate Annuities Too! Read More »
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Sell in May and go away has been a mantra that has been heard every spring regarding the stock market. The term was actually born in London’s financial district. The full saying is “Sell in May and go away; come back on St. Léger’s day.” The St. Leger Stakes is the oldest of England’s five
Spring Volatility! Read More »
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There is often-ignored asset potentially worth 1 million dollars that many of us have or will have access to, but we may give little thought to planning for this asset only to realize a minimal portion. Roughly 74% of the time this asset is cut to a minimum because we did not do any research
Do You Know About this Often Ignored Asset? Read More »
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Do you think Mother Teresa woke up in the morning trying to decide if she was going to help the poor and destitute, or have a day at the “spa” just for her? Silly question, I agree, but I am just trying to point out the fact that certain things are embedded in our DNA,
Part-Time Fiduciary Read More »
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